Educational notes for homeowners. Not an insurer, not an agent, and not advice about your policy.

NOT IN THE 2024 TOP 10

Why did my CSAA home insurance go up?

CSAA Insurance Group is the AAA homeowners writer people meet in California and a few other western states. Not the same company as every AAA club.

The short answer

CSAA is not in the 2024 national top 10. AAA clubs do not all use the same homeowners company. The underwriting company on the declarations page controls the notice and the rate. [22]

2025–2026 filings and exits

California, reported only

Needs verificationInsurance Business grouped CSAA with carriers that filed California increases and pledged more wildfire-area writings. Needs verification against the department filing. [29]

Needs verificationNo CSAA rate order, withdrawal, or nonrenewal moratorium for 2025 or 2026 was confirmed in this review outside any state named above. That is not evidence the company filed nothing. Search SERFF Filing Access and the state department’s rate-filing search. [26]

Public rate filings are posted in SERFF Filing Access when a state participates. Search the company and the homeowners line. A filing is a request until the regulator acts on it. Unless a row above cites a regulator or company release, this review did not download that company’s SERFF PDF. [26]

Why homeowners rates are rising anyway

These are market-wide findings. They are not a CSAA rate filing, and they are not your renewal percentage.

In 2024, 715 homeowners companies with at least $50,000 of direct premium in a state had 103,289,334 policies in force and wrote $165.2 billion of direct premium, about $1,600 per policy. [19]

Adjusted for inflation, average premium per policy rose between 18.3% and 43.3% across NAIC zones from 2018 to 2024, which the NAIC describes as about 2.4% to 5.3% a year. The largest moves were in 2023 and 2024. These are zone figures. A street, a ZIP code, or one company can sit far from the zone average. [19][20]

Insurers reported 2,019,799 company-initiated homeowners nonrenewals in 2024. The rate per 1,000 policies rose between 96% and 216% by zone from 2018 to 2024. [19]

The latest state-by-state HO-3 averages republished by the Insurance Information Institute are for 2022, from NAIC data (a May 2025 NAIC study, as Triple-I describes it). The U.S. average was $1,569, up 11.2% from 2021. The figure is premium divided by house-years for the HO-3 owner-occupied form, and it includes state funds, residual markets, and some wind pools. The NAIC does not rank states and does not endorse rankings others draw from the data. [22]

Triple-I said on 17 December 2025 that structural replacement costs had risen nearly 30% over the prior five years, and it forecast 11.8% growth in homeowners net written premium for 2025. That growth figure is a forecast, not a closed result. [23]

In ISO data for 2023, republished by Triple-I, wind and hail were 42.5% of homeowners incurred losses, water damage and freezing 22.6%, and fire and lightning 21.6%. About 5.3% of insured homes had a claim. The ISO tables exclude Alaska, Texas, and Puerto Rico, so they are not a Texas loss split. [22]

What to do if the bill or the letter arrives

Find three dates: the date the notice was mailed, the date the policy expires, and the date the company says coverage ends.
Read the reason. “Underwriting reasons,” with nothing under it, is not an explanation you can appeal or fix.
Decide which letter you have. A nonrenewal, a mid-term cancellation, and a renewal that cuts coverage or raises the price are different notices, and states time them differently.
Keep paying the current policy until a new one is bound. A gap can put a mortgage into force-placed insurance, which protects the lender first.
Ask the company, in writing, for the declarations page, the replacement-cost estimate, and which rating factors changed.
If a mortgage company is on the policy, tell them you are replacing coverage before the old policy ends.
Shop admitted insurers. If you cannot find one, use the residual-market note on your state page. A FAIR plan or Citizens policy is often narrower than the policy you had.
Compare deductibles before you accept a lower premium. A percentage hurricane or wind deductible is a share of the dwelling limit, not a flat $1,000.
If the notice looks late or states no real reason, complain to the state insurance department and keep the envelope or the electronic-delivery record.
Ask about a mitigation credit only where the company will put the discount in writing: a new roof, opening protection, or defensible space, depending on the peril.

The day count depends on the state. Open the non-renewal guideor the premium calculator.

CSAA by state

Combined pages exist where the search demand is highest. Every state still has its own notice page.